Please note that the information you are viewing is 156 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE
Please note that the information you are viewing is 169 months old and may not represent the prices currently charged. If you represent this MFI and wish to update your information, click HERE

Institution

Pulse Financial Services Limited Cnr Freedom Way/Katunjila RoadLusakaP.O. Box RW 51269
Data approved: 2012-01-25
Data version: 1
Age of data: 156 months

Institution

Parabank OJSC 60 Samed Vurgun strBaku, BakuAZ1022
Data approved: 2010-05-25
Data version: 1
Age of data: -   months 

Institution Details

Institution TypeNon Bank Financial Institution
Is this institution regulated?Yes
Website addresshttp://www.pfsl.com.zm/
Year established2008
Head of InstitutionClaude Lafond
Regions active
# Branches9

Total Portfolio (nat'l)ZMK 18,835,000,000
Total Portfolio (USD)USD 3,639,613.53
Active clients with loans1,481
Approximate % female clients40% - 60%
Approximate % urban clients40% - 60%
Network affiliationsAMIZ, PROXFIN
FundersAFDB, FMO, CIDA Canada, DID / CEP

Institution Details

Institution TypePrivate 'For-Profit'
Is this institution regulated?N/A
Website addresshttp://www.parabank.az/
Year established1991
Head of InstitutionVali Guliyev
Regions active0
# Branches16

Total Portfolio (nat'l)AZN 64,721,000
Total Portfolio (USD)USD 80,901,250
Active clients with loans7,573
Approximate % female clients20% - 40%
Approximate % urban clients60% - 80%
Network affiliations
Funders

Loan Products » Summary

287 Borrowers
USD 1,330,628.02 Portfolio
Active Product
925 Borrowers
USD 2,117,004.83 Portfolio
Active Product
187 Borrowers
USD 58,743.96 Portfolio
Active Product

Loan Products » Summary

1,268 Borrowers
USD 9,000 Portfolio
Active Product
2,100 Borrowers
USD 1,512,500 Portfolio
Active Product
3,100 Borrowers
USD 13,490,000 Portfolio
Active Product
SME
600 Borrowers
USD 29,375,000 Portfolio
Active Product

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Home Improvement Loan ZMK 5,000,000 - 120,000,000 6 - 60 40% - 60% 40% - 60% Business, Housing Women, Men, Have business, Have home or land Credit Educ, Group Mtgs, Credit Ins
MSME Loan ZMK 1,000,000 - 120,000,000 6 - 36 40% - 60% 60% - 80% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins, Tech Asst Visits, Business Training
Women Market Loan ZMK 1,000,000 - 5,000,000 6 - 12 80% - 100% 60% - 80% Business Women, Have business Credit Educ, Group Mtgs, Credit Ins, Other Training

Loan Products » Conditions

Product Name Loan Size Range Loan Term (months) % Female % Urban Loan Purpose Eligibility Other Services
Consumer Loans AZN 1,000 - 20,000 3 - 24 20% - 40% 0% - 20% Any Purpose Women, Men, Have home or land, Salaried worker Credit Educ, Credit Ins
Group Loans AZN 500 - 2,000 3 - 18 20% - 40% 60% - 80% Business Women, Men Credit Educ, Group Mtgs, Credit Ins
Micro Loans AZN 1,000 - 20,000 6 - 18 20% - 40% 20% - 40% Business Women, Men, Have business Credit Educ, Group Mtgs, Credit Ins
AZN 20,000 - 200,000 6 - 36 0% - 20% 20% - 40% Business, Housing Women, Men, Have business, Have home or land, Specific age group Credit Educ, Group Mtgs, Credit Ins

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Home Improvement Loan 30.0%-36.0% annual, Flat 1 Fee 1 Ins None 5.0% upfront 60% - 72.2% 68.7% - 80% 41
MSME Loan 54.0%-66.0% annual, Flat 1 Fee 1 Ins None 15.0% upfront 104.8% - 135.3% 139.5% - 181% 34
Women Market Loan 54.0%-66.0% annual, Flat 1 Fee 1 Ins None 20.0% upfront 122.5% - 135.3% 176.6% - 200.9% 28

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Consumer Loans 24.0%-36.0% annual, Decl Bal 2 Fees 0 Ins None N/A 31.9% - 42.1% 31.9% - 42.1% 69
Group Loans 24.0%-36.0% annual, Decl Bal 2 Fees 0 Ins None N/A 41.7% - 43% 41.7% - 43% 56
Micro Loans 24.0%-36.0% annual, Decl Bal 2 Fees 0 Ins None N/A 30.8% - 40.3% 30.8% - 40.3% 69
18.0%-30.0% annual, Decl Bal 1 Fee 0 Ins None N/A 29.8% 29.8% 60

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Home Improvement Loan 30.0%-36.0% annual, Flat 1 Fee 1 Ins Ins None 5.0% upfront 60% - 72.2% 68.7% - 80% 41
MSME Loan 54.0%-66.0% annual, Flat 1 Fee 1 Ins Ins None 15.0% upfront 104.8% - 135.3% 139.5% - 181% 34
Women Market Loan 54.0%-66.0% annual, Flat 1 Fee 1 Ins Ins None 20.0% upfront 122.5% - 135.3% 176.6% - 200.9% 28

Loan Products » Pricing Information

Product Name Annual Nominal Interest Fees Insurance Taxes Compulsory Deposit APR (int+fee) Full APR Transparency Index
Consumer Loans 24.0%-36.0% annual, Decl Bal 2 Fees 0 Ins Ins None N/A 31.9% - 42.1% 31.9% - 42.1% 69
Group Loans 24.0%-36.0% annual, Decl Bal 2 Fees 0 Ins Ins None N/A 41.7% - 43% 41.7% - 43% 56
Micro Loans 24.0%-36.0% annual, Decl Bal 2 Fees 0 Ins Ins None N/A 30.8% - 40.3% 30.8% - 40.3% 69
18.0%-30.0% annual, Decl Bal 1 Fee 0 Ins Ins None N/A 29.8% 29.8% 60
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